SBA Loan Calculators
Free tools to help you plan your business acquisition. Calculate payments, affordability, down payments, and more.
6Calculators
FREETools
$320M+Funded in 2025
50+Lenders
💰 SBA Loan Payment Calculator
Total SBA loan amount
Current max: Prime (6.75%) + 2.5% = 9.25% for loans over $250K
🏠 How Much Business Can I Buy?
SBA loans typically require 10% down payment
Your personal income requirement from the business
💵 Down Payment / Equity Injection Calculator
Purchase price + working capital + closing costs
Expansion loans for same-industry businesses you've owned 2+ years may qualify for 0% injection
📊 DSCR Calculator (Debt Service Coverage Ratio)
Seller Discretionary Earnings or Net Operating Income available for debt service
Additional owner add-backs not in SDE
Total annual loan payments (SBA loan + any other debt). Leave blank to auto-calculate.
Or auto-calculate from loan details:
Most lenders require a minimum DSCR of 1.25x for SBA loans.
📝 Seller Note Calculator
Often 0% during standby period, then market rate
Seller note must be on FULL STANDBY for ENTIRE TERM of SBA loan
How long to pay off seller note after SBA loan is paid off
Important: SBA requires seller notes to be on FULL STANDBY for the ENTIRE TERM of the SBA loan. No payments are made until the SBA loan is completely paid off.
⚖️ SBA Loan Comparison Tool
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